Top Italian Mortgage is an italian credit brokerage company,  highly specialized in banking mortgage applications for non-italian, residing abroad and having foreign incomes clients.

We can work together to obtain the best solutions for you and optimize your chances to get a mortgage in Italy, to buy or renovate a property

WHO CAN BE FINANCED?

WHAT CAN BE FINANCED?

PURCHASE OF FIRST OR HOLIDAY HOME

  1. Property which is habitable and in order with all the necessary permits
  2. MAX 60% of the purchase price
  3. MAX duration: 25 years

SMALL RENOVATION OF FIRST OR HOLIDAY HOME

  1. Needed: cost estimates and building permits
  2. MAX 50% of the final value of the property
  3. Mortgage disbursed in lump-sum payment at the termination of the works

ACCEPTANCE CRITERIA

  • Max DTI ratio (debt to income): 30%
  • Max age: 75 years at the end of the mortgage duration.
  • MAX duration: 25 years
  • Opening of a bank account in the lender bank
  • Transfer of your own money that you are using as equity for finalizing the purchase in the Italian account before the final deliberation of the mortgage
  • Sworn translation / legalization of the income documents (Italian)

TYPES OF MORTGAGE

  • French Amortisation Schedule (unvaried instalment including interests and principal payment)
  • Fixed Rate (MAX 20 years) and Variable Rate
  • NO penalty in case of early payment, for both Fixed Rate and Variable Rate mortgages

Italian mortgage

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